Head to head
Rizz Card vs XPlace
Both cards run on the same benchmark test, so this compares deducted cost rather than advertised rates.
| Metric | Ri Rizz Card | XP XPlace |
|---|---|---|
| Overall rank | #11 of 27 | #3 of 27 |
| FX spread | 0% | 1% |
| Base cashback | No cashback | 1% + 1% |
| Custody | Card provider handles funding and card-service operations | Non-Custodial |
| Virtual card | Yes, $10 lowest cost. | Yes |
| Physical card | No | Yes (Gated) |
| Spend limit | $2,000,000 per month / $100,00 per transaction | $2000 lower tier - $750,000 highest tier |
| ATM withdrawals | Premium Tiers only | |
| Setup time | 5 minutes No KYC | ~10 minutes |
| KYC steps | 6 | 3 |
| Score | 8/10 | 8.5/10 |
Rizz Card
While not the best name for a Neobank needing your trust, it is, in fact, a No-KYC card. You can get a USD Card for just $10, of which $5 is automatically added to the card. Your card is ready in under 5 minutes, and if you need a one of small purchase, this is the best No-KYC card out there. Here's the issue for the card long-term. The top-up fee is $0.15 + 3.2%. If you spend USD, it's 1:1 and a $0.30 auth fee. BUT Non-USD spending has a 2.4% fee. Therefore, for every purchase, I'm paying 5.6% in fees. NOTE: They have an EUR option too, which would mean its just the 3.2% fee on USD and EUR cards. The name throws me off, and it's a No-KYC card, which always means there are risks and you should proceed with caution. But there is something special about this card.
XPlace
XPlace works as a crypto-backed credit line rather than a prepaid debit card. It suits holders who would rather borrow than sell to fund living costs, but the variable APR on drawn credit and the modest spend limit need to be weighed before committing collateral.
Who ranks these cards
I'm Tristyn Pawson, founder of ConsistenC.xyz. Over the last five years I've worked on marketing, development and growth across five crypto cards and neobanks, building at least three of them from scratch.
Alongside that I've run in-depth research on 20+ crypto banks to understand what actually makes someone keep a card in their wallet. These rankings reflect that: which problems are tolerable, and which ones are genuine deal breakers.
- Years in market
- 5
- Cards built on
- 5
- Neobanks researched
- 20+